• Frequently Asked Questions Travel Insurance Plan

    What if you cut short your trip?
    • Your policy can be cancelled and premium will be refunded if difference Between the date of arrival of insured and end date of policy is 15 days or more. (Cancellation charges ` 300 would be deducted)
    • No cancellation will be allowed if a Claim is filed on the policy. Review your decision (only if policy is for 1 year) We have your best interests at heart and at the same time recognize that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us. Our policies come with a free-look period of 15 days from the date of receipt of policy.
    What if the vehicle you are traveling in met with an accident?
    Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re traveling abroad. What if the aircraft you’re traveling in is involved in a mid-air mishap? Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.

    What if you cancelled your trip because of a Tsunami?
    Trip Cancellation & Interruption: We cover financial loss incurred out of cancellation of your trip due to an unforeseen event arising due to specified man made or natural situations.

    What if you have a medical emergency while mountain climbing during your trip?
    Medical Evacuation: Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within our network.

    What if you are a FREQUENT FLYER?
    You can opt for multi trip policy if you are a frequent flyer. There are two options to choose from –
    • Multi Trip with maximum 45 days per trip
    • Multi Trip with maximum 60 days per trip
    Choose your policy duration as per your needs In case of single trip, you can opt for a policy period up to a max. of 365 days or max. trip duration as specified under each plan. Also, if you wish to extend your policy, you can do it for a max. duration of 365 days by logging on to www.religarehealthinsurance.com (extension only available if policy period is less than 365 days)

    What if you have a painful fall during your adventure trek and end up with missing teeth?
    Dental Expenses: Covers dental expenses incurred in connection with any injury while on your trip.

    What if you’re down with severe malaria but your son has to return to school?
    Return of Minor Child: Covers the return cost of your minor child to your home location, in case you’re hospitalized and traveling alone with your child/children.

    What if you fractured your back/spine and can’t travel economy class?
    Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained whilst on a trip.

    What if you contracted severe viral during your trip?
    Medical Cover: Covers your hospitalization or treatment if during your travel you are diagnosed with an illness, or any previous illness reoccurs. In case you require further treatment even after your return, expenses for the same will be covered up to a period of 30 days or up to policy end date, whichever is earlier. What’s more! In case of accidental hospitalization, your policy Sum Insured is doubled.

    What if regaining your Checked-In Baggage becomes a concern?
    Loss of Checked-In Baggage: Covers expenses for your checked-in baggage that you lost while in custody of the Common Carrier. Delay of Checked-In Baggage: Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

    What if you want your mom to visit you while hospitalized?
    2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured’s current location.

    What if a technical glitch caused your flight to be delayed?
    Trip Delay: Covers expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.

    What if you wish to make a phone call to your spouse often while hospitalized?
    Daily Allowance in case of Hospitalization: Pays for (a specified amount per day of stay at the hospital) numerous allied expenses such as attendant’s meals, transportation and communication incurred but not covered under your Policy.

    What if you dropped your heavy suitcase fracturing an old woman’s foot?
    Personal Liability: Covers expenses against legal liability for bodily injury or property damage that occurred accidentally to third parties during your trip.

    What if you can’t find your passport?
    Loss of Passport: Covers expenses for the issue of a new or duplicate passport.
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